You need enough cash to buy the land, you generally won’t be granted a loan for it. After that, the other comments have it pretty well explained. For a lot of p

You need enough cash to buy the land, you generally won’t be granted a loan for it. After that, the other comments have it pretty well explained. For a lot of people, they won’t have the 100% cash for the land + 5-20% down payment for the home construction.